After working on a refinance with DLJ for about 3 months (a couple of months with Tammy & Dominic and the Mr. Paul Roth took over), and being to the point where they were setting up an appointment to sign papers, they are now saying that they won't use any of my husbands salary and only an average of his commisions putting us at making $700 per month! That's completely insane! Our tax returns, W2's and his paystubs show how much he earns, yet they won't use that. We've never missed a payment in 5 years and that counts for nothing. To top it off, this only comes about after they've cancelled our home owners insurance and started up a new one at a higher rate. Now we can't get our old rate back and our insurance will be cancelled if our current escrow company (who knows nothing about what DLJ has done behind both of our backs) doesn't pay the new policy within the next couple of days. To say that they have had a negative impact on our lives would be an understatment! They have completely blind sided us and left us holding the bag. Had we not already qualified for the loan we wouldn't have paid for a new appraisal, paid for our payoff demand on our second and our insurance would have stayed the same. Very let down! read more

I just closed on a cash-out-refinance loan with this company. Although the process took a lot longer than what was anticipated(this is why not 5 stats)they provided me with the best rate and outcome. I got to work with Adan Munoz who since day one was very helpful and knowledgeable. And Ranee was very helpful processing documents. I would consider doing another Loan with this company if I have a person like Adan doing the process. read more

Matt Brigham is the king of lending! During the funding process, Matt was there to answer all of my questions. I felt I was treated in a courteous and professional manner. My mind was at ease from when I first talked to him to start the process, until the end. He is well educated and knowledgeable in all aspects of lending. I have recommended him to various friends and coworkers and they all have been pleased with Matt. read more

DLJ Financial was excellent. Matthew Dalton was terrific! I got the lowest rate and very low closing costs. I shopped around and this was the best rate. It funded in less than a month, as I was out of the country for 10 days. The team was very courteous, knowledgeable, and helpful throughout the entire process. i would highly recommend DLJ Financial and Matthew Dalton. I am a very happy customer! I have already referred my friends and family! read more

Do not deal with this financial institution. This is my 7th mortgage loan and none have been as difficult as DLJ Financial. They have no integrity and entice you with loans they can't really offer. read more

DLJ Financial was a pleasure from the beginning to the end of the process. My personal needs and satisfaction were a priority every step of the way. i would recommend DLJ Financial to anyone who wants a positive experience and people who really care about you and your needs. read more

DLJ is the fourth lender that I've worked with in the last five years, and they were by far the best. I found them using Lending Tree and chose them initially because of the great rate that they offered on a refinance for an investment property. I worked with Robert Foster and Tammy Ho. Everything went extremely smoothly and efficiently from smart to finish. They were great about keeping me updated on developments and letting me know what they needed from me. Whenever I emailed them with questions I always had an answer within minutes. I'll definitely go back to them for future mortgages and recommend them to family and friends who are looking for a loan. Thanks, DLJ! read more

Ethan Andres, from DLJ Financial was extremely helpful, kind, professional, and always with a positive attitude. Ethan, always replied back to emails and phone calls, would go above and beyond to make sure our loan would go through. Excellent to detail, great communication, excel in customer service, found solutions to our questions/problems. Ethan made our loan journey a smooth ride! Also Kuddos to Lisa, his loan processor, she was great help and very attentive, and got things done fast. Overall, an amazing experience dealing with DLJ Financial; thanks to Ethan and Lisa read more

I can't say enough positive things about DLJ Financial! I am actually surprised at the ratings under 5-star. At first, I was a little hesitant, if not skeptical, about going through some random internet quotation from an unknown/unreferred lender, but when I saw the rates and credits back, I became very interested. Other quotes came in at higher rates and costs, and my first impression of the competitor's customer service and professionalism did not compare with that provided by Christopher Morris and Kristy Haase at DLJ. My first email and phone call from Chris was prompt, courteous, and extremely professional. He provided me with the all of the information necessary to make a confident decision and didn't offer a bunch of options that he already knew I was not interested in. He and Kristy were both very patient with my many questions and their attention to detail was impeccable. Not once did I get the feeling he was in it for himself. I always felt like I was his top priority and he never hesitated to call and email when there was a need for exchange of formation. Note that when I speak more of Chris, it is because I interfaced with him all little more than with Kristy, however she was equally professional and equally a pleasure to work with. They operate phenomenally as a team. Chris and Kristy made each of the third-party activities feel seamless as well. I feel that Chris and Kristy went above and beyond what I had EVER expected from a mortgage broker or even a direct lender. In the middle of the lending process, my wife totaled her car. This meant that we needed to replace the car, which would require another car loan transaction, as well as money transfers to go through at the same time. This was contrary to the already-signed loan docs' agreement, so Chris and Kristy immediately assessed the situation and talked with me and the lender openly to determine how best to avoid any complications or delays in the re-fi process and with all parties involved. This gave me immediate confidence and peace of mind that everything would go through smoothly. The day my loan closed, I received a fed-ex from Chase (my previous mortgage lender). Inside was an impersonal offer letter to receive the same rate and zero-fees that DLJ offered me a month ago (when I believe rates were higher. Unfortunately for Chase, they were too late and were not able to work the magic that Chris was able to at that given, crucial time. After working with Chris and Kristy, I wouldn't have done a thing differently. I will always consider Chris and the DLJ team as my first choice for home loans/refinances and will highly recommend them to friends and family, or anyone. Thanks DLJ for a perfect lending experience! read more

Buying a home is probably one of the most exciting times in your life. It can also be a scary thing if you don't have someone you can trust to help you along the way. I can honestly saw that I'm extremely glad Matt Brigham at DLJ Financial was able to help me through this process. I really did not know much at all about loans or how the entire process worked, but Matt really did a great job of walking me through it all and explaining each step along the way. I'm sure I had a ton of annoying questions but he always took the time to respond to my calls or emails in a timely fashion. We built a great rapport. He was extremely professional with my wife and I, and I could tell that he had been in the industry a long time. Matt quoted me 3.875 and sure enough after I sent him all the paperwork he needed, we locked it in (right before the rates jumped up as he predicted). I trusted Matt with our loan and I would definitely recommend him. read more

We just finished refinancing our home with DLJ Financial and what a great experience! The whole thing from start to finish took only 30 days. Our loan officer was Dan Schneeweiss. We explained to Dan what we were looking for and he went out to his pool of lenders and found us the best rate available at an incredibly low cost. No cost loans were available at the time, but we chose to get an even lower rate at a very minimal cost. We were extremely impressed wIth Dan's professionalism. He thoroughly explained the process to us and the costs involved. Dan was available to us thru out the entire process, whenever we had questions, he was there to answer them. I would highly recommend Dan Schneeweiss and DLJ Financial if you are looking to refinance your home. They will do a fantastic job for you! read more

I have got to give a MAJOR shoutout to DLJ Financial whom I just did the most complicated refinance with, and if it wasn't for their expertise, professionalism, patience, and good heartedness (seriously not something you'd expect from a lender), it would have never gone through and been such a success. So if you find yourself considering refinancing your home and wanting to be sure that you are in the BEST of hands, I'm telling you, Jaron Ulrich is your man. His processor Angelica is the other half of this amazing team and was equally incredible and went above and beyond what you'd expect from any lender!! We couldn't be more pleased and grateful to these two. read more

Colette Penkal was my guardian angel all the way up to the eleventh hour, literally. I was about to send her my Notice of Right to Cancel at the very end of my third day after signing with the notary. I thought I had a better deal lined up. I felt horrible for being such a frugal shopper after she had worked so hard for me; fixing my credit score, returning my emails/phone calls, explaining the #'s, just being completely open and honest with me. She took my phone calls all the way up till midnight and pleaded for me not to cancel because she felt I was being baited into something "too good to be true". She definitely went above and beyond what any normal person would do in their profession. She is passionate about looking out for her client's best interest. Because she had been a straight shooter with me throughout the entire process and she offered me an out if the competing broker could produce legitimate documents, I trusted her and didn't cancel. I'm so glad I did because the next day when I asked for the exact paperwork needed for Colette to go to battle with her manager to get me the same deal, that competitor came up short and wouldn't produce! I'm so lucky I had Colette of my side otherwise I'd be back at the starting line instead of closing today. Amazingly she totally held it together through thick and thin and all the crap I put her through to keep my business. She always remained polite and professional. I promise anyone, if you choose to give Colette a chance to prepare your loan, you will be extremely happy paying for her services because she earns every cent of what she makes. Thank you Colette for being my guardian angel! BKS :-)' read more

I recently completed a refinance with Dan Schneeweiss at DLJ Financial. Since I had never done a refi by telephone and computer before, but always in person with someone I knew, this was a new experience and I was a bit hesitant about it. Because a friend had recommended them, I gave them a chance and I can report that Dan was very professional, knowledgeable, patient and thorough. Janeen worked with me for the 2nd phase of the loan, and she was also very responsive and easy to work with. She kept me informed every step of the way. The entire process was very easy, seamless and stress-free, and I got a great rate on my refi. I highly recommend DLJ. read more

Highly recommend DLJ Financial for refinancing a mortgage. I worked with Arnaud, and he was extremely responsive. He worked hard to get me approved even though there were reasons why it would be difficult to get the loan. It went through as he had promised, and you can't believe the low interest rate I got! As soon as I was approved, it closed so quickly, it was amazing. read more

Was emailing back and forth with a Senior Loan agent a few weeks ago when I decided to go through with the refi I emailed him back but got a call from a new guy. I'm like where is Dominic he says he no longer works here...what!? Did he get fired or why did he leave..he said he wanted to change jobs. Fine so I started dealing with the new guys who is now the Senior Loan officer and he was pretty patient and explained everything to where I was comfortable going through with it since I wanted to add on to the house was going to pull some cash out to get that done. Everything was going smooth until I was signing some docs when I first noticed the lender which was Flagstar so I decided to do some research and found so many negative things about them pages and pages of nightmarish complaints and consumer affairs complaints, Yelp complaints of people just saying RUN AWAY! which got me scared. I asked the loan guy that I did some research on the lender and read all the horror stories and did not want to be another unhappy customer and asked if they could find a different lender where he started defending them and saying they were a top 10 lender in the nation but nothing to back that up. Hoping they can find a different lender to continue. read more

I was Referred to Glen Toher back in January 2013. Glen contacted me regarding my credit score and he refrred me to a co-worker, Jennifer Diaz. I was raised to not have credit cards and in turn I didnt have a high credit score. My husband score was fine. Jennifer was always positive in my situation of wanting a bigger home for my family. She directed me, gave me feedback and gave me instructions on how to improve my credit. She worked on my file diligently, always made sure she was a phone call away if I had any questions, helped me understand every detail and never belittled me. Jennifer gave me different options and gave me confidence on reachig my goal. My goal was her goal! Her communication is impeccable. My score improved and today I am closing on a home double in living space and triple yard space! ALL Because of Jennifer Diaz! Her professionalism and endurance saw me thru this journey ALL THE WAY! The only thing I want to do now is MEET her and her wonderful team in person!! IF you want to feel like a priority, If you need any Financial help, call Jennifer Diaz. THANK YOU Jennifer ad DLJ! read more

Fast, easy and smooth transaction. Good rates and very responsive. Will contact them again for my lending needs.

We just closed a re-fi with DLJ Financial. We are very happy with the service they provided. We were kept very well informed every step of the way. I would definitely recommend them to my friends. read more

I worked with Bryan Bowmer twice in refinancing my home. He was courteous,knowledgeable, and very professional. I would not hesitate to work with him again if the opportunity arose. A very good experience. Highly recommend it. read more

I worked with Jason Ermigarat to refi my mortgage. It was a bit unexpected and almost urgent, but he worked with me and my seemingly impossible deadline with ease! It was a big decision which he really helped me think through and made it about what I needed vs just another loan. I really appreciate his attention to detail, thoughtfulness for my situation, and passion for his trade. I highly recommend him, my father has since worked with him as well for a loan twice the size of mine and was very pleased. Thank you, Jason! read more

I have used DLJ twice and have been very pleased both times. They are a professional and knowledgeable company and I will continue to use them for all of my lending needs. I cmpleted a refinance with them a couple years ago and had such a good experience I came back when we were purchasing our 2nd home. Thank you to everyone at DLJ, I'll be back! read more

We have just completed refinancing our home through DLJ and the service could not have been better. There was absolutely no hard sell, the mortgage representatives were always available for questions and quick to return phone calls, and the entire process was very smooth. Specials kudos to Robert Foster and Berlinda Parker for making this task so doable! read more

I just finished refinancing my house with Jason Ermigarat. He made the loan process so easy. I felt so confident that I was in good hands. My calls and emails were returned right away and he listened to my financial needs. Jason helped me more than he knows! I will recommend dlj financial to anyone. They were awesome! read more

This is the 3rd time I've used DLJ Financial in connection with a mortgage or a refi. Lee Kulick was a pleasure to work with--smart, professional, and clear in his regular communications. I have unreservedly referred friends and associates who are looking for a mortgage broker to DLJ in the past, and I will continue to do so. read more

This was the second time we re-financed with Glenn at DLJ Financial. Both transactions were very smooth, and I wouldn't hesitate to use them again. read more

Ask for Arnaud Dufour- he's awesome and saved me over $200 bucks a month. Everything was handled incredibly professionally, timely and error free. My situation was a bit more complex than the average loan and yet Arnaud and his team got my refi wrapped up as quickly as possibly and saved me a bunch of money per month. Plus my rate and terms of the loan are much better than my previous lender. Thanks Arnaud!! I highly recommend his services for anyone who wants to purchase or refi their home. read more

Colette Penkal and her team of professionals at DLJ Financial preformed flawlessly. They are top notch and I would recommend them to anyone shopping for a new loan or refi. Being self-employed my wife and I had to jump through the usual hoops to get things going on our refi. This was our third and final attempt. Throughout the entire process Colette communicated over the phone and followed up with an e-mail, regarding status and additional requested documents needed to keep the loan moving forward. Although it took longer then we expected, (refi or self-employed?) they got the job done. read more

Dlj was extremely helpful in what can be a very stressfull experience. Dan and Charmaine got back to me and wife immediately when we had any questions or concerns (even the stupid ones). I spoke to a few other brokers and they gave me the creeps, plus they gave me misleading information over the phone. I was really glad I found DLJ, they were easy to work with and closed a really great rate, really fast. read more

First I am not a competitor, but an average person trying to refi in 2013 when interest rates were really low. I used DLJ simultaneously to refi an income property (my partner found DLJ). Generally, everything was okay but it was still a bait and switch, where DLJ said they can get a loan at 0 cost at X rate. When it came to sign, they gave us a loan with X+.25 and closing at 1000. It was acceptable For my loan, under HARP 2, Chris Cole promised to lock the rate at Z and no closing cost. The first set of papers then sent to me had errors on every page, including my address, my name, forgetting to "x" the locked rate, etc. That should have been the red flag. Second, after submitting the papers back to Cole, they sat on my file, literally. While I asked them for updates, QuickenLoan, the lender they were working with, sent me papers with the correct info (name, address, rates, etc) and a DEADLINE, of which passed! Later, about one and half month later, Cole came back with a loan set at Z +.75 rate and a closing of $2500. And he stated he was doing me a favor at this rate! When asked why he did not lock the rate, as he promised, he said he did not like how the rates looked at the time, with some other blah which did make sense. (All of this info is supported by documents and emails) In the end, we could not take advantage of the low interest rates of 2013 thanks to Cole and DLJ. So here's my tips: 1) Always search for a loan with at least 3 lenders/brokers. They will tell you your credit score will take a hit, to scare you to only do the loan/refi with them. If your credit score is high enough, the hit will be little. 2) After you send in their requested documents, they will send you papers to sign. Look for the mistakes, there will be some/plenty. Focus on the key info: your name, address of the property, and the interest rate (and locked or not). Insist they fix those key info if there is a mistake. Those that have lots of mistakes or fail to correct them -- KICK THEM TO THE CURB!! 3) try to focus your loan search with a direct lender, they can give you better info about the rates, they tend to be professional (Cole called me from his home or while driving). 4) avoid DLJ or use them with caution, your risk good luck read more

My husband and I recently worked with Michele Neal and Janeen Cadwell when purchasing a new home. Both Michele and Janeen were very knowledgeable and responsive during the process. They made sure everything went smoothly and communicated with us along every step of the way. Thank you both for such a positive experience! read more

I worked with Jesse. I went with DLJ initially based on price. They were able to offer a credit that other lenders I was talking to did not. Jesse really made a miracle loan happen. It was fha. It was in the bay area (where multiple offers and all cash offers are typical.) I have a chapter 7 three years prior. It was a townhouse (harder to qualify for fha). It's been 3 months since since we closed and very fortunate to have found Jesse and DLJ. read more

I have worked with Arnoud at DLJ multiple times and he has been totally professional and delivered exactly what was promised within the time frame specified. I have recommended them to friends of mine which I would never do unless I trusted them completely. read more

My experience with DLJ was great. Found them on Lending Tree. Glad that I did. Michele Neal and Lisa DeCoro were fantastic. They answered all my questions and were responsive in a timely manner. Had a bump in the road but they helped me through the entire process to make it as smooth as possible. Would definitely use them again. read more

I had the MOST responsive team working to get my REFI completed. Bryan Bowmer and Judy Franco were courteous and fully engaged in helping me from start to finish. I had actually started my loan process with another broker and went to DLJ to get a competing rate bid. They were so much nicer to deal with that I decided to stay with DLJ. read more

I have dealt with quite a few loan offers in the past. Mike Riggs from DLJ Financial is the most committed, reliable, persistent and courteous loan officer I have ever worked with. Very responsive and communicative! I'll definitely recommend his services to other people. Thank you for all your help, Mike!!! read more

Over a year and a half ago I began looking for a bank/broker to help me refi my house in the States. An expat living in Europe with most/all of my finances tied up out here, I had a HeLoC that was fast expiring and I needed to find someone to help me refi it and my mortgage all in one. After having spoken with multiple brick and mortar banks in the US, no one really wanted to touch the situation because of the complexity of me and my money being abroad. Someone recommended me Lending Tree, who in turn connected me with Jesse Somberg and Tammy Ho of DLJ Financial. If I'm honest - both were also very skeptical, but most importantly: they were much more open minded and creative about coming up with a solution. "We've never done this before, but let's see what happens...if it works or it doesn't, we'll all learn". That is how you take on new experiences. Jesse and Tammy were incredibly helpful, verbose, and understanding throughout the process. They helped me with figuring out if the documentation I could come up with (there are differences in the types of documentation I have available from European employers/banks versus US ones) would suffice their underwriters, to helping me locate credible translators for my documentation. Not once did I feel I was being up-sold on anything - quite the opposite, even; when I wanted to throw more money at translation services to make sure I had more documentation I needed, they throttled me back and said, "no, seriously - don't worry, we'll get it covered so you don't have to pay more for all of this than you are". They even worked with me given the 9 hour time zone difference, calling me only during times they knew I was up, and not in the middle of the night for me, even though that would have been more convenient for them. I truly cannot say enough about this duo, and would go through them again in a heartbeat. read more

i love dlj financial, this was my second refinance through dlj with the help of jennifer diaz and both were exceptional experiences especially this last re-fi that had difficult circumstances attached to it. they handled it timely, efficiently and professionally. hats off to jennifer diaz,janeen cadwell,shelley mckee and the whole dlj team read more

My loan consultant Lisa did a very nice job of communicating and handling things. I'm happy with my new 15 year fixed rate. I would recommend DLJ to others as well. For those who haven't had a good experience, I would say that it's incumbent on the consumer to know what's happening and to protect themselves. If you want the best rates, don't expect to have your hand held for you or know that if you do, it will cost you. Just like if you go to a high-end audio retailer, you'll likely get great service but not a discounted deal. read more

What a great experience with this dedicated, courteous group of professionals. Everyone was friendly, helpful & expeditious. Jesse Somberg did all he said & more. We actually got a lower rate then what we locked. The process was as easy as it gets. All via phone and computer. We have much past experience with financing, but none as good as this. Oh we also saved a ton of $$$$. THANK YOU DLJ! read more